Beware of "skimming" when using your debit card (Full Version)

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Vendaval -> Beware of "skimming" when using your debit card (1/16/2010 12:59:24 PM)

This article caught my eye because there was a recent case of skimming at a local gas station and one of the customers where I work had several thousand dollars removed from her bank account.  She was able to work with her bank to remove the charges but it was a highly stressful situation and took several weeks and numerous phone calls to fix.

Debit-Card 'Skimming' Scams

Friday, January 15, 2010

provided by ConsumerReports.org


"Three steps to take to protect your account data from getting into the wrong hands

Don't Type in Your Pin at the Pump

Stick With ATMs Located at Banks"

http://finance.yahoo.com/banking-budgeting/article/108583/debit-card-skimming-scams?mod=bb-checking_savings



intenze -> RE: Beware of "skimming" when using your debit card (1/16/2010 1:15:00 PM)

really good advice. I did not know there was less liability insurance for debit cards used with a PIN



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 1:30:22 PM)

I have been shifting into cash and money orders.  In the end- it is easier for me.



purepleasure -> RE: Beware of "skimming" when using your debit card (1/16/2010 1:34:37 PM)

Thank you for sharing this!



Vendaval -> RE: Beware of "skimming" when using your debit card (1/16/2010 1:36:29 PM)

You are welcome everyone.  Be careful with your money and your bad selves out there!   [sm=alarm.gif]



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 2:34:28 PM)

It goes further then this.  Cards have been pushing contactless cards.

If you ever want to dis-able on RFID - zap it in the microwave abit.





Lucylastic -> RE: Beware of "skimming" when using your debit card (1/16/2010 2:45:48 PM)

http://moneywatch.bnet.com/saving-money/blog/devil-details/for-safetys-sake-dump-the-debit-card/1035/?tag=content;col1
also has some interesting info

I have a reloadable mastercard, I only load it when I know I have to make some purchases and only load it with that amount plus a few bucks extra.
My reg bank account debit card rarely gets used



Lockit -> RE: Beware of "skimming" when using your debit card (1/16/2010 2:46:00 PM)

I just went through something like this. I used a card to pay a bill by phone and one online. Within three days as far as I can tell... someone was online playing with my card. I didn't give my pin... but still they tried. I don't know if it was that they caught it with the lack of a pin or that the fraud unit knew my spending habits and knew I wouldn't buy over five hundred dollars worth of tennis shoes... like before when it happened and someone was looking for a China bride with my other card... They saved me both times.



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 4:33:56 PM)

quote:

ORIGINAL: Lucylastic

http://moneywatch.bnet.com/saving-money/blog/devil-details/for-safetys-sake-dump-the-debit-card/1035/?tag=content;col1
also has some interesting info

I have a reloadable mastercard, I only load it when I know I have to make some purchases and only load it with that amount plus a few bucks extra.
My reg bank account debit card rarely gets used



Lucy- what are the fees on a reload card?

I have to find a way to pay the DSL.



Lucylastic -> RE: Beware of "skimming" when using your debit card (1/16/2010 4:40:58 PM)

I dont know about other companies, but the company I get mine from is 3$ a month for "basic fee"
and $2.00 every time I load it, if I use it outside canada I pay 2.15 per ATM withdrawl.
So far its cheaper than using my regular bank account



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 5:12:38 PM)

quote:

ORIGINAL: Lucylastic

I dont know about other companies, but the company I get mine from is 3$ a month for "basic fee"
and $2.00 every time I load it, if I use it outside canada I pay 2.15 per ATM withdrawl.
So far its cheaper than using my regular bank account



Ok- I am thinking my current set up is best.

I have a small visa card- secured by my one money.  The interest is around $3 a month.



Lucylastic -> RE: Beware of "skimming" when using your debit card (1/16/2010 5:14:35 PM)

when its just you, it makes it cheaper, looks like you may as well stay the way you are:)




pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 6:08:37 PM)

quote:

ORIGINAL: Lucylastic

when its just you, it makes it cheaper, looks like you may as well stay the way you are:)




the secured visa is held by $300.   yet- the savings account interest- and the credit card interest is around $3 a month.  No charge to pay it down.



juliaoceania -> RE: Beware of "skimming" when using your debit card (1/16/2010 6:53:48 PM)

When i have bought gas it has been at costco. I wonder if it would apply there



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/16/2010 7:29:07 PM)

The last few times I bought gas I paid cash.   On a card they sometimes block $50.



DomMeinCT -> RE: Beware of "skimming" when using your debit card (1/16/2010 7:53:40 PM)

Businesses which rely on swipe technology (such as Redbox, which dispenses movies), have added blocks around the swipe part on their machines, in order to make it difficult for someone to add a skimmer.

Redbox has a picture here of what a skimmer looks like attached by a thief to a swipe machine:  http://www.redbox.com/Help/Security.aspx



WyldHrt -> RE: Beware of "skimming" when using your debit card (1/16/2010 8:15:34 PM)

This link has some good pics of a card skimmer/ pin stealer setup at an ATM:
http://www.snopes.com/fraud/atm/atmcamera.asp



pahunkboy -> RE: Beware of "skimming" when using your debit card (1/17/2010 10:17:39 AM)

The new passports can be hacked as well.

I can see it now.  Pressing the brake on a car- the light lights up- Error 404 -  user unknown.



Lucylastic -> RE: Beware of "skimming" when using your debit card (1/17/2010 6:06:31 PM)

Thanks for the links everyone, my daughter told me this evening that her atm card had been slimed this morning at 4am to the tune of 400$
They have opened an investigation and will take a few weeks.
Ive sent her all the links you ladies provided so thanks from us both



Termyn8or -> RE: Beware of "skimming" when using your debit card (1/17/2010 6:36:58 PM)

Alright, this is in the front window too long. I'll splain.

You go to the grocery store. Your bill is $37.55. You hand the cashiers a fifty dollar bill. She rings it up and starts handing you your change. Without a computer (no amt tendered) she figures out your change. She might hand you two dimes and a quarter and say "38". She will then give you two ones and say "40". Then a ten and say "50".

Sorry to interupt, but I just had to sat that. It worked for 50 or 100 years, and she was accurate, because at the end of the day she was responsible for that money.

Oops, that Rword again.

T



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